MARINER TRAVEL CLUB

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2022

Legal Domicile

Principal Officer

RICHARD RUETER

Phone

3104879190

Tax Period

2023-01-01 to 2023-12-31

MARINER TRAVEL CLUB, founded in 2022, is a small nonprofit in the Human Services sector that reported $243K in total revenue in fiscal year 2023.

Mission

TAKING 8TH GRADERS TO WASHIBNGTO DCM, PHILADELPHIA AND NEW YORK TO LEARN OF HISTORY AND CURRENT EVENTS.

Program Service Accomplishments

Program 1

Expenses: $237,268

TAKING 8TH GRADER TO WASHINGTON DC, PHILADELPHIA AND NEW YORK TO LKEARN OF HISTORY AND CURRENT EVENTS

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $243,220

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $243,220

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $237,268

Other Expenses $237,268

TOTAL EXPENSES $237,268

Year-over-Year Comparison

	2023	2022	Change
Revenue	$243,220	N/A	N/A
Expenses	$237,268	N/A	N/A
Net Income	$5,952	N/A	N/A

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

N/A

Employees

N/A

Volunteers

N/A

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Role	Reportable Comp	Other Comp	Total
RICHARD RUETER	President	Director	$0	$0	$0
TIFFANY OLIVAREZ	Vice President	Director	$0	$0	$0
AYA YOSHIMURA	Secretary	Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	No data	No data	No data	No data
2023	$243,220	$237,268	$5,952	$5,952